MoneyTransfers

How to send money to Tonga from New Zealand with the best NZD-TOP rate

OFX is the best way to send money to Tonga. Sending NZ$10,000 gets you 13,502.88 TOP on the other end.

Best companies for NZD/TOP transfers

2 of 2 providers

Last updated on 10 November 2026

Based on 10,000 NZD transfer

Best companies for NZD/TOP transfers

Sort Cheapest
Promoted

Wise

Pay via Bank transfer
Fees: $419.37 1 NZD = 1.3368 TOP +1.51% vs mid-market Recipient gets T$12,807.10 Within a week
25 reviews
Receive to bank accountDedicated support for large transfers

Ways to receive money in Tonga with Wise when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositWithin a weekAvailable via:SWIFT
$419.371 NZD = 1.3368 TOP
T$12,807.10You pay$10,000.00
Promoted

OFX

Pay via Bank transfer
Fees: $0.00 1 NZD = 1.3503 TOP +0.50% vs mid-market Recipient gets T$13,502.88 6-12 Hours
7 reviews
Receive to bank account

Ways to receive money in Tonga with OFX when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank deposit6-12 Hours
Free1 NZD = 1.3503 TOP
T$13,502.88You pay$10,000.00

Run a live search

Showing top New Zealand to Tonga deals for 10,000 NZD. Do a live search with your exact amount for today's best rates.

OFX

Pay via Bank transfer
Fees: $0.00 1 NZD = 1.3503 TOP +0.50% vs mid-market Recipient gets T$13,502.88 6-12 Hours
7 reviews
CheapestFastest
Receive to bank account

Ways to receive money in Tonga with OFX when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank deposit6-12 Hours
Free1 NZD = 1.3503 TOP
T$13,502.88You pay$10,000.00

Wise

Pay via Bank transfer
Fees: $419.37 1 NZD = 1.3368 TOP +1.51% vs mid-market Recipient gets T$12,807.10 Within a week
25 reviews
Our top pick
Receive to bank accountDedicated support for large transfers

Ways to receive money in Tonga with Wise when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositWithin a weekAvailable via:SWIFT
$419.371 NZD = 1.3368 TOP
T$12,807.10You pay$10,000.00
How Our Results Work
Mid-market rate: 1 NZD = 1.3571 TOP Updates every 60 minutes.

How to send money from New Zealand to Tonga

Pick a company

If you're sending a one-off transfer, then OFX is the best option.

OFX was the cheapest on 30 of the 30 days it quoted NZ$10,000 transfers to Tonga.

For recurring transfers, I'd suggest using an app or a multi-currency account like Wise.

For large transfers (NZ$10k+), a broker like OFX is usually the best option.

New Zealand has no instant payment rail, so plan for the money to leave your account slower than you'd expect.

How much you send will affect the best option for you right now, so I suggest .

Fund your transfer

You can pay for the transfer via bank transfer.

Bank transfers settle in batches a few times a business day, so a Friday evening payment can sit until Monday.

If you and the money transfer company use the same bank, it'll usually settle in seconds.

Verify and send

For your first transfer you'll need a photo ID and proof of address.

Nothing checks the recipient's name against the account number on an international transfer, so make sure to double check it.

Compare amounts

How much NZD are you sending to Tonga?

How much NZD you send to Tonga heavily affects the best ways and the cheapest options. Use the table below to check how the cheapest options change and how much more you'd get by comparing.

Our analysis shows OFX was the cheapest in 35% of the transfers from NZ$10,000 it quoted, and in 62% of all the transfers it quoted.

Cheapest service
$1,0000.65%$0.00T$1,348.25with bank transfer to bank deposit+T$84.90
$5,0000.65%$0.00T$6,738.41with bank transfer to bank deposit+T$449.87
$10,000This page0.50%$0.00T$13,502.88with bank transfer to bank deposit+T$347.89
$50,0000.25%$0.00T$67,743.02with bank transfer to bank deposit+T$1,246.07
$250,0000.20%$0.00T$338,631.63with bank transfer to bank deposit+T$6,252.42

Mid-market rate: 1 NZD = 1.3571 TOP

NZD/TOP Exchange Rate History

Is today a good time to send money from New Zealand to Tonga?

The cheapest way to send NZD to TOP can change every day, or stay with the same company all month.

We've compared the mid-market rate with the cheapest option each day (today it's OFX), across 30 days of comparisons for 10,000 NZD transfers to Tonga.

TOP received for $10,000, after fees

Tue, 10 Nov 2026Mid-market rateT$13,570.73 OFX T$13,502.88OFXT$13,502.88WiseT$12,807.10

12,000
12,500
13,000
13,500
14,000
At the mid-market rateWith the cheapest optionOFXWise
Exchange rateFees:Recipient getsDifference
Mid-market rate 1.3495 – T$13,494.91
OFX Cheapest 1.3427 $0.00 T$13,427.44 −T$67.47
Wise 1.3260 $405.62 T$12,722.53 −T$772.38
Exchange rateFees:Recipient getsDifference
Mid-market rate 1.3471 – T$13,471.42
OFX Cheapest 1.3404 $0.00 T$13,404.06 −T$67.36
Wise 1.3293 $458.80 T$12,682.74 −T$788.68
Exchange rateFees:Recipient getsDifference
Mid-market rate 1.3530 – T$13,529.55
OFX Cheapest 1.3462 $0.00 T$13,461.90 −T$67.65
Wise 1.3435 $598.91 T$12,629.89 −T$899.66
Exchange rateFees:Recipient getsDifference
Mid-market rate 1.3513 – T$13,512.70
OFX Cheapest 1.3445 $0.00 T$13,445.14 −T$67.56
Wise 1.3255 $348.10 T$12,793.98 −T$718.72
Exchange rateFees:Recipient getsDifference
Mid-market rate 1.3600 – T$13,600.36
OFX Cheapest 1.3532 $0.00 T$13,532.36 −T$68.00
Wise 1.3362 $374.99 T$12,861.03 −T$739.33
Exchange rateFees:Recipient getsDifference
Mid-market rate 1.3624 – T$13,624.31
OFX Cheapest 1.3556 $0.00 T$13,556.19 −T$68.12
Wise 1.3360 $407.36 T$12,816.25 −T$808.06
Exchange rateFees:Recipient getsDifference
Mid-market rate 1.3624 – T$13,624.31
OFX Cheapest 1.3556 $0.00 T$13,556.19 −T$68.12
Wise 1.3360 $407.36 T$12,816.25 −T$808.06
Exchange rateFees:Recipient getsDifference
Mid-market rate 1.3623 – T$13,622.52
OFX Cheapest 1.3554 $0.00 T$13,554.41 −T$68.11
Wise 1.3351 $382.40 T$12,840.46 −T$782.06
Exchange rateFees:Recipient getsDifference
Mid-market rate 1.3680 – T$13,680.26
OFX Cheapest 1.3612 $0.00 T$13,611.86 −T$68.40
Wise 1.3412 $386.99 T$12,892.97 −T$787.29
Exchange rateFees:Recipient getsDifference
Mid-market rate 1.3662 – T$13,662.48
OFX Cheapest 1.3594 $0.00 T$13,594.17 −T$68.31
Wise 1.3380 $393.46 T$12,853.65 −T$808.83
Exchange rateFees:Recipient getsDifference
Mid-market rate 1.3702 – T$13,702.48
OFX Cheapest 1.3634 $0.00 T$13,633.97 −T$68.51
Wise 1.3539 $574.79 T$12,760.51 −T$941.97
Exchange rateFees:Recipient getsDifference
Mid-market rate 1.3704 – T$13,703.89
OFX Cheapest 1.3635 $0.00 T$13,635.37 −T$68.52
Wise 1.3358 $321.73 T$12,928.62 −T$775.27
Exchange rateFees:Recipient getsDifference
Mid-market rate 1.3752 – T$13,751.92
OFX Cheapest 1.3683 $0.00 T$13,683.16 −T$68.76
Wise 1.3380 $317.02 T$12,955.73 −T$796.19
Exchange rateFees:Recipient getsDifference
Mid-market rate 1.3752 – T$13,751.92
OFX Cheapest 1.3683 $0.00 T$13,683.16 −T$68.76
Wise 1.3380 $317.02 T$12,955.73 −T$796.19
Exchange rateFees:Recipient getsDifference
Mid-market rate 1.3721 – T$13,721.46
OFX Cheapest 1.3653 $0.00 T$13,652.85 −T$68.61
Wise 1.3623 $672.51 T$12,706.84 −T$1,014.62
Exchange rateFees:Recipient getsDifference
Mid-market rate 1.3710 – T$13,709.90
OFX Cheapest 1.3641 $0.00 T$13,641.35 −T$68.55
Wise 1.3359 $310.47 T$12,944.34 −T$765.56
Exchange rateFees:Recipient getsDifference
Mid-market rate 1.3499 – T$13,498.98
OFX Cheapest 1.3431 $0.00 T$13,431.49 −T$67.49
Wise 1.3176 $339.72 T$12,728.67 −T$770.31
Exchange rateFees:Recipient getsDifference
Mid-market rate 1.3518 – T$13,518.46
OFX Cheapest 1.3451 $0.00 T$13,450.87 −T$67.59
Wise 1.3327 $505.96 T$12,653.09 −T$865.37
Exchange rateFees:Recipient getsDifference
Mid-market rate 1.3568 – T$13,568.28
OFX Cheapest 1.3500 $0.00 T$13,500.44 −T$67.84
Wise 1.3431 $575.79 T$12,657.75 −T$910.53
Exchange rateFees:Recipient getsDifference
Mid-market rate 1.3586 – T$13,585.78
OFX Cheapest 1.3518 $0.00 T$13,517.85 −T$67.93
Wise 1.3422 $578.47 T$12,645.48 −T$940.30
Exchange rateFees:Recipient getsDifference
Mid-market rate 1.3585 – T$13,584.58
OFX Cheapest 1.3517 $0.00 T$13,516.66 −T$67.92
Wise 1.3422 $578.47 T$12,645.48 −T$939.10
Exchange rateFees:Recipient getsDifference
Mid-market rate 1.3525 – T$13,524.54
OFX Cheapest 1.3457 $0.00 T$13,456.92 −T$67.62
Wise 1.3215 $333.14 T$12,774.66 −T$749.88
Exchange rateFees:Recipient getsDifference
Mid-market rate 1.3550 – T$13,549.81
OFX Cheapest 1.3482 $0.00 T$13,482.06 −T$67.75
Wise 1.3258 $334.06 T$12,815.39 −T$734.42
Exchange rateFees:Recipient getsDifference
Mid-market rate 1.3496 – T$13,495.63
OFX Cheapest 1.3428 $0.00 T$13,428.15 −T$67.48
Wise 1.3242 $369.54 T$12,752.66 −T$742.97
Exchange rateFees:Recipient getsDifference
Mid-market rate 1.3584 – T$13,584.47
OFX Cheapest 1.3517 $0.00 T$13,516.55 −T$67.92
Wise 1.3302 $417.52 T$12,746.52 −T$837.95
Exchange rateFees:Recipient getsDifference
Mid-market rate 1.3390 – T$13,389.94
OFX Cheapest 1.3323 $0.00 T$13,322.99 −T$66.95
Wise 1.3114 $316.40 T$12,699.07 −T$690.87
Exchange rateFees:Recipient getsDifference
Mid-market rate 1.3353 – T$13,353.43
OFX Cheapest 1.3287 $0.00 T$13,286.66 −T$66.77
Wise 1.3017 $224.48 T$12,724.70 −T$628.73
Exchange rateFees:Recipient getsDifference
Mid-market rate 1.3323 – T$13,323.34
OFX Cheapest 1.3257 $0.00 T$13,256.72 −T$66.62
Wise 1.3017 $224.48 T$12,724.70 −T$598.64
Exchange rateFees:Recipient getsDifference
Mid-market rate 1.3482 – T$13,482.35
OFX Cheapest 1.3415 $0.00 T$13,414.94 −T$67.41
Wise 1.3242 $312.54 T$12,828.43 −T$653.92
Exchange rateFees:Recipient getsDifference
Mid-market rate 1.3571 – T$13,570.73
OFX Cheapest 1.3503 $0.00 T$13,502.88 −T$67.85
Wise 1.3368 $419.37 T$12,807.10 −T$763.63

Exchange rateFees:Recipient getsDifference

Each line shows what the recipient gets when you send $10,000, after fees, as quoted by each company. The mid-market line shows what $10,000 converts to at the real exchange rate, with no fees or markup. Rates are checked once a day. Sponsored placements never affect this data. There are no bank quotes for this period.

The dashed line is what you'd get at the mid-market rate with no fees, and the blue line is the cheapest option that day.

When the blue line goes above the dashed one, you're getting more TOP per NZD than the mid-market rate can offer.

This could be due to money transfer offers, FX rate adjustments, or market competitiveness.

No company, app or bank beat the mid-market rate over the past month, meaning you lose a bit of TOP on every transfer from New Zealand.

Right now, OFX pays 13,502.88 TOP on 10,000 NZD, which is 67.85 TOP less than the mid-market amount.

Today's payout isn't the best this month though, since the highest receive amount was 13,683.16 TOP.

If you can wait and want to get the most out of your transfer, create a rate alert and we'll let you know when the rate improves.

Cheapest over time

Picking the cheapest money transfer company

Just because a company is the cheapest today doesn't mean it's always the best option for sending money to Tonga.

We've tracked 147 comparisons to check how often today's top companies were the cheapest across 5 amounts over the past month.

  1. OFXAppeared in 144 comparisons

    Cheapest in 62% of them

  2. WiseAppeared in 147 comparisons

    Cheapest in 2% of them

Based on 147 comparisons across 5 amounts over the last 30 days.

Different companies can come out cheapest depending on the day and the amount you send.

To keep things fair, we only count the comparisons each company appeared in, and only analyse companies that appeared in at least 50% of all comparisons (so occasional cheapest options don't skew it).

Today OFX is the cheapest and gets you the most TOP, and it was also the cheapest in 62% of the 144 comparisons it appeared in over the past month.

It's a good pick for both one-off and regular transfers to Tonga.

Wise (today's second cheapest) was the cheapest in only 2% of its comparisons, so it's rarely the cheapest option for transfers to Tonga.

Ways to send money from New Zealand to Tonga

2 companies cover NZD/TOP transfers, between them you can send money via currency broker, online, app, multi-currency account, and global business account, and more.

Cheapest way to send NZD

Online money transfers

The gap between the cheapest and most expensive way to send money from New Zealand is among the widest in the world, and money transfer companies and apps are usually the cheapest.

Wise charges NZ$419.37 and 1.51% markup on a NZ$10,000 transfer.

This will get you 12,807.10 TOP and it will arrive in within a week.

In our comparisons over the past month, it was the cheapest online service on 30 of the 30 days it quoted.

Best support options

Currency brokers

For house purchase abroad, an inheritance or a pension transfer, a broker like OFX charges no fee and adds 0.5% margin, with a real person on the phone dealing with everything end to end.

Our analysis shows OFX was the cheapest broker in 35% of the transfers from NZ$10,000 it quoted.

Also, you can send a small NZD/TOP transfer first to get the feel of the process before sending the rest.

I suggest getting a few quotes from brokers and seeing who's the cheapest.

Living across two countries

Multi-currency accounts

If you live between two countries, income in one, mortgage or family in the other, a multi-currency account holds both currencies and converts when you choose.

Wise converts NZ$10,000 at 1.51% markup and holds the TOP until you spend it.

Over the past month, it came out cheapest among multi-currency accounts on 100% of days.

It’s also great for travelling to Tonga and spending it there.

For business payments from NZ

Global accounts

Companies like Wise Business, OFX, or Revolut Business handle business payments, recurring and batch payments, invoicing, and more.

Great for paying suppliers, contractors or staff in Tonga, or getting paid in TOP.

Ways to fund NZD and receive TOP in Tonga

With OFX, paying by bank transfer and receiving through bank deposit is the cheapest combination. Sending NZ$10,000 gives your recipient 13,502.88 TOP.

Pay in NZD by bank transfer.

New Zealand bank payments still run in processing cycles, so allow time for the company to receive the payment before it can process the transfer to Tonga.

The recipient in Tonga can use bank deposit.

To send money directly to bank account or card, enter the recipient's bank details, account number and account-holder name.

  1. 1
    Bank transfer Bank deposit

    You pay NZ$10,000.00

    T$13,503

    Cheapest

What to consider when sending NZD to Tonga

Here are a few things to know about money transfers from New Zealand to Tonga.

Compare NZD/TOP transfer options

For a NZ$10,000 transfer to Tonga, these are the current best options you have.

Cheapest

OFX is cheapest when funded by bank transfer with bank deposit for the payout. Your recipient gets 13,502.88 TOP, which is 5.15% more than the next best option.

Fastest

OFX delivers 13,502.88 TOP in 6-12 hours when you pay by bank transfer and the recipient uses bank deposit.

A NZ$1,000 report

New Zealand reporting entities must report international wire transfers of NZ$1,000 or more to the Financial Intelligence Unit.

It does not mean you need permission or cannot send more than NZ$1,000.

The New Zealand Police guidance on prescribed transactions explains the reporting threshold.

Keep evidence showing where the money came from, particularly for a property sale, inheritance or transfer between your own accounts.

Bank funding is not always instant

New Zealand bank payments run daily, but the transfer company still needs to receive and match your payment before sending TOP.

Debit-card funding may be confirmed sooner, although it can cost more.

Gifts are not taxed in New Zealand

New Zealand abolished gift duty, so there is no New Zealand gift tax simply because you send money to family in Tonga.

Keep a record showing that it was a gift, loan or transfer of your own money because the recipient's tax position can differ.

Transfer protection from New Zealand

New Zealand's Depositor Compensation Scheme covers eligible deposits at licensed deposit takers.

It does not cover money after it has been sent to a non-bank transfer company.

The Reserve Bank explains the scheme's scope in a bit more detail.

How we analyse the market

Most of our pricing comes straight from the companies, and anything collected by hand is labelled in the table as indicative.

That covers 2 registered financial service providers sending NZD to Tonga, updated in real time on live searches and compared on rates, fees, speed and the ways to pay and collect.

In the past 30 days alone, we analysed 147 comparisons across 5 amounts.

This page covers the cheapest and fastest options for NZD/TOP transfers. This is how we pick them:

  • Cheapest: the company that gets your recipient the most, after fees and the exchange rate. On a tie, live pricing from the company takes priority over the rates we collect by hand.

  • Fastest: the company with the shortest estimated delivery time once you’ve paid. On a tie, the one that pays out more takes priority.

Each goes through our review. Learn more:

Any tax information is for general guidance only and does not constitute tax advice. Speak to a qualified tax adviser about your circumstances.

Send money from New Zealand

Send money from New Zealand to Australia Send money from New Zealand to United States Send money from New Zealand to United Kingdom Send money from New Zealand to Spain Send money from New Zealand to Samoa Send money from New Zealand to Nigeria Send money from New Zealand to Philippines Send money from New Zealand to India Send money from New Zealand to Germany Send money from New Zealand to South Africa Send money from New Zealand to France Send money from New Zealand to Canada Send money from New Zealand to Tonga Send money from New Zealand to Argentina Send money from New Zealand to Fiji Send money from New Zealand to Colombia Send money from New Zealand to Thailand Send money from New Zealand to Ghana Send money from New Zealand to China

Send money to Tonga

Send money from United States to Tonga Send money from Australia to Tonga Send money from Japan to Tonga